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I had a debit card when I was 13. An absolute godsend during international travel, not having to bother with cash as a forgetful teenager.

The card providers share your identity in monetary transactions, but I don't think this data does & should include birthdate.

These checks accept only a credit card.

That's useful as one option, but can't be expected of 18 year olds in most countries, and older adults in many.

I had a credit card at 15. I had to travel for some school related stuff and it was easier to carry a card than excessive amounts of cash.